-
£23179.10 until my debt free life begins in March 2014
Well hello 2012 :j. This is Chapter 2 of my DF journey. Chapter 1 started this time last year (ish) when I had my LB moment in Dec 2010 and decided I would get rid of my debt asap. Initiallty and stupidly I thought this would be gone by Summer 2012 hence my user name and old diary title! Oh how wrong I was, I’d taken a…
-
I will be debt free in 2014 yay!!
In July 2010 I took out a whopping £20,000 loan with Tesco (over £29,000 inc interest). It was over 7 years so due to finish in August 2017. In September last year I made an overpayment to the loan which reduced the term and I have now refinanced with Nationwide - a £13,000 (£14,800 inc interest) which is only over 3…
-
10 positive steps a day challenge - 2012
As i am back in the land of the living-ish anyway i thought i would start the 2012 challenge thread - i saw the comment about keeping it as the one thread instead of every month so here it is guys n gals :) Thanks for looking after the challenge for me while i haven't been well xxx Official MoneySavingExpert.com insert:…
-
Ruby's Revolution (2012)
I have been hanging around the debt free wannabe boards for a couple of years now. I have used that time to get a debt management plan in place and have ridden a rollercoaster of changes some of them welcome some of them less so! I'm starting a new diary this year - one that is goal orientated, one that is focussed, one…
-
This is the Year
Evening everyone :wave: I have decided to open a brand new diary as I haven't posted on my old one for ages and this year is all about new starts for me. My first new start is I have taken a permanent job :D so no more freelancing and a nice regular wage for the first time in a very long time. This means I can have a…
-
Taking Control: My Debt Free Diary
Hello all, Some may argue that my situation is no where near as severe as others, however, I want to take control now before it's too late and prevent myself from going down the slippery, slippery slope. A bit about me - I am 21 and have a fairly good job for my age and earn a decent salary, however, with the salary…
-
FINALLY under the £2000 barrier!!
Hi all. I paid another debt off today!! Goodbye Littlewoods! I am FINALLY under £2000! I am paying another £500 tomorrow (Payday), which will leave me about £1200 left to pay!!
-
Time to get serious about money saving...
I've been using this website on and off for a number of years but I've always been just a 'lurker' on the forums. I had my first lightbulb moment at the end of 2008 when I realised that I was over 20K in debt - more than my annual salary! :eek: I started keeping a spending diary and tried sticking to a budget, with varying…
-
Trying again!!
hello, Well I thought I had my lbm a couple of years ago; there is a previous diary on here somewhere but on reflection I realise that accepting you're in debt is not the same as tackling the debt!!! So to cut a very long story short, between myself and my dh, (with a little help from our 4 lovely daughters ;) )we owe…
-
Time to start again
I have had many a diary and stopped as soon as I get started, so this time as I have lurked and procrastinated long enough I have kicked myself up the backside and started to say NO, I have recently had to give up my part-time job due to health issues so this leaves my DH as the main bread winner, He has recently changed…
-
It's time to be responsible and quit partying...
Hi.... So where to start.. well I've been on here for years but never really posted just lurked (ooo I don't like that word, makes me sound like a creepy stalker) and I have finally had my proper LBM I've had flickers in the past but now this time I'm totally serious!! I have approximately £8k of the evil debt to bust…
-
Plodding my way to freedom
Hi Diary, I have decided to start this diary to try to keep me on the straight and narrow and hopefully on the way to being debt free. I am always reading other peeps diaries and it gives me such inspiration. My trouble is that I start off well and then I get bored and depressed, I try to run before I can walk iykwim SO…
-
24 in less than 3 months.......less than 15 months to target!
So, total debt is over 20k.......SCARY! But I am aiming to have it gone by the time I am 25 in March 2013. My family have zero faith in me so I will essentially be doing this for me. Hopefully in a few years I will get married and have children and get a place of my own, but with my credit shot to pieces and a scary number…
-
Spagbol: 2012 is the year to eat the debt!
We have well over £50k unsecured debt and a mortgage of £274k :eek:. We have been through a hellish two years of redundancies, paycuts, job losses and now we start the year with new jobs and new attitudes, the austerity years have hit chez spagbol!! Just my Birthday to get over :beer::beer::beer: then we are going alcohol…
-
One frugal year = freedom and choices
that's what it comes down to really. I earn a good wage currently and my debt burden is manageable but I want to get rid of this debt so that I can have some better choices and a buffer if circumstances change. I am a single parent and work full-time, I would dearly love to be able to change career or cut down hours so…
-
Tintingirl's "become debt free" adventure!
Hi everyone, I've lurked and posted on here for years but somehow have never quite managed to get my finances under control, and 2012 is the year that is going to happen! I'll drive my bf mental with talking about it, I'm sure, so I'm thought I'd start my own diary to confide in along the way! :) So, I'll start with my…
-
Paying debts off early
I am in a position to pay some debts off early that I have been paying via direct debit at a set amount each month for some time. I have contacted the creditors who have offered me settlement figures (valid for one month) and I was just wondering if anyone knows are the figures they give set in stone or is there a…
-
LBM in 2003.. What have I been doing since??!
Hello I have decided to start a diary. Have lurked on here since early 2009, subscribed to loads of threads, loved all the camaraderie and found it very useful for getting shot of debt, starting savings and all that kind of good stuff but then have slipped and skidded into more debt, especially as I left a FT job this…
-
Here we go again!
Hello there fellow DFWs! Let me introduce myself first. I am a young mother of a beautiful daughter who is 14 months. I'm 21. I live with my partner of 4 years. Oh and we are 11 weeks pregnant with our second baby due in July! When I met my partner I wasn't in any debt but his bad habits seem to be contagious :rotfl:…
-
Dear Diary 2012 'things can only get better!'
Dear Diary A few days ago I joined MSE and my first post was made in desperation. I truly believed that life can't get much worse right now. It feels like I've been on MSE 24/7 since joining, reading and gathering a lot of advice on here and I feel stronger to tackle our situation head on. I need to start this diary so…
